Withdrawing money without an ATM card is becoming increasingly common due to advancements in mobile banking and payment technologies. Here’s a breakdown of the most common methods:
1. Cardless ATM Withdrawals:
Many banks now offer “cardless” ATM withdrawal services. The specific process can vary by bank, but generally involves:
* Mobile Banking App: You initiate the withdrawal through your bank’s mobile app.
* Generate a Code: The app will generate a one-time code or QR code.
* ATM Interaction: At a compatible ATM, you select the “cardless withdrawal” option and enter the code or scan the QR code.
* Authentication: You may also need to enter your PIN or other authentication details on your phone or the ATM.
* Cash Dispensed: The ATM dispenses the cash.
Some banks offering this service include Bank of America, Wells Fargo, Chase, PNC Bank, and in Saudi Arabia, banks like SNB (Saudi National Bank), alinma, and anb (Arab National Bank) offer “Emergency Cash” services that function similarly.
2. UPI (Unified Payments Interface) Cash Withdrawal (primarily in India):
In India, you can withdraw cash from UPI-enabled ATMs using your Google Pay app or other UPI applications. The process typically involves:
* Selecting “UPI Cash Withdrawal” on the ATM screen.
* Entering the amount.
* Scanning a QR code displayed on the ATM screen using your UPI app.
* Authorizing the transaction with your UPI PIN on your phone.
3. In-Branch Withdrawal:
This is the most traditional method. If you’re near an open branch of your bank, you can:
* Visit a Teller: Go to a teller window.
* Withdrawal Slip: Fill out a withdrawal slip with your account information and the amount you want to withdraw.
* Verify Identity: Provide a valid government-issued ID (like your National ID, Iqama, or passport in Saudi Arabia) for identity verification.
4. Cashing a Check:
If you have a checkbook and funds in your account, you can:
* Write a Check to Yourself: Write a check payable to “Cash” or to yourself.
* Cash at Your Bank: Present the check at your bank’s teller window with your ID.
* Cash at a Retailer (less common): Some large retailers or check-cashing services might cash personal checks, though this often comes with a fee and stricter requirements.
5. Digital Wallets with Cash Back (less common for direct withdrawal):
While not a direct cash withdrawal method without a card, if you have a digital wallet (like Apple Pay, Google Pay, or Samsung Pay) linked to your debit card, you might be able to make a small purchase at a store and then request cash back from the cashier. This depends on the store’s policy and availability.
Important Considerations:
* Bank Availability: Not all banks offer cardless ATM withdrawals or specific emergency cash services. Check with your bank to see what options they provide.
* Compatibility: For cardless ATM withdrawals, you’ll generally need to use an ATM owned by your bank or one that explicitly supports the cardless technology your bank uses (e.g., NFC, QR codes).
* Security: Always be mindful of your surroundings and protect your PINs and personal information when performing any financial transaction.
* Limits: There might be daily or per-transaction limits on cardless withdrawals.
If you find yourself without your ATM card and need cash, your best first step is to contact your bank directly to inquire about their specific cardless withdrawal options or visit a branch if possible.

Eating too much meat, especially red and processed meat, can have several harmful effects on your health over time. Here’s a breakdown of the potential risks:
1. Increased Risk of Chronic Diseases:
* Cardiovascular Disease: Red and processed meats are often high in saturated fat and cholesterol, which can lead to elevated levels of “bad” (LDL) cholesterol, plaque buildup in arteries (atherosclerosis), and an increased risk of heart attacks and strokes. Studies have shown that higher intakes of red and processed meat are associated with a greater risk of cardiovascular disease.
* Type 2 Diabetes: Regular consumption of unprocessed red meat and processed meat has been linked to a higher risk of developing type 2 diabetes.
* Certain Cancers:
* Colorectal Cancer: There’s strong evidence linking processed meat consumption to an increased risk of colorectal cancer. Red meat consumption is also probably associated with an increased risk.
* Other cancers, including breast, uterine, hepatocellular carcinoma, and lung cancer, have also been associated with high red meat intake.
* Processed meats are classified as Group 1 carcinogens by the World Health Organization (WHO), putting them in the same category as substances like cigarettes and asbestos.
* Gout: Excessive red meat intake can elevate uric acid levels, which can lead to gouty arthritis.
* Kidney Disease: High meat consumption can put a strain on the kidneys, potentially leading to higher levels of urea and uric acid in the blood, especially in individuals with pre-existing kidney conditions.
* Liver Issues: Excessive red meat intake can contribute to fat buildup in the liver, potentially causing strain on the liver.
2. Other Health Concerns:
* Obesity: Meat, particularly fatty cuts and processed varieties, can be high in calories, contributing to weight gain and increasing the risk of obesity.
* Digestive Issues: High meat consumption can lead to indigestion, constipation, bloating, gas, and stomach cramps due to the prolonged digestion process required for meats.
* Dehydration: Elevated uric acid levels from excessive meat intake can prompt the kidneys to take up more water to dilute these waste products, potentially leading to dehydration.
* Inflammation: Saturated fats found in meat can increase inflammation in the body, and meats generally lack the antioxidants that resist inflammation.
What is “too much meat”?
Guidelines vary, but generally:
* Red Meat (beef, lamb, pork, veal, venison, goat):
* The NHS recommends cutting down to 70g (cooked weight) per day if you currently eat more than 90g.
* Many health organizations suggest limiting red meat consumption to no more than 350-500g (cooked weight) per week. This could be a small 65g serving each day or a larger portion 3-4 times per week.
* Processed Meat (sausages, bacon, ham, deli meats, hot dogs, corned beef, pâté): It’s recommended to limit or avoid processed meats as much as possible due to their strong link to cancer and high levels of salt and saturated fat.
Important Considerations:
* Quality and Preparation: Choosing leaner cuts of meat, trimming visible fat, and opting for healthier cooking methods like grilling or baking instead of frying can help reduce some risks.
* Balance: A balanced diet that emphasizes fruits, vegetables, whole grains, and plant-based proteins (like legumes, nuts, and seeds) while limiting red and processed meat is generally recommended for overall health.
* Individual Factors: Individual health conditions, lifestyle, and overall dietary patterns play a significant role in how meat consumption affects a person.
In summary, while meat can be a good source of protein, iron, zinc, and B vitamins, excessive daily consumption, especially of red and processed varieties, can significantly increase the risk of various chronic diseases and other health problems. Moderation and a balanced diet are key.

Yes, many common culinary spices, including turmeric, have been used for centuries in traditional medicine systems and are increasingly recognized for their potential health benefits by modern science. These benefits are largely attributed to the bioactive compounds they contain.

It’s important to note that while research shows promising results, most studies use concentrated extracts or doses far higher than typically consumed in food. Spices should be seen as a valuable addition to a balanced diet, not as a replacement for medical treatment.

Here’s a look at turmeric and some other popular spices:

Turmeric

Turmeric (Curcuma longa) is perhaps the most extensively studied spice for its medicinal properties. Its primary active compound is curcumin, which gives turmeric its vibrant yellow color.

Medical Benefits of Turmeric (Curcumin):

• Powerful Anti-inflammatory: Curcumin is a strong anti-inflammatory agent. Chronic inflammation is linked to many chronic diseases, including heart disease, cancer, metabolic syndrome, and Alzheimer’s. Turmeric’s ability to reduce inflammation is one of its most significant benefits.
• Antioxidant Properties: Curcumin is a potent antioxidant that can neutralize free radicals and boost the body’s own antioxidant enzymes, protecting cells from damage.
• Brain Health: It may boost Brain-Derived Neurotrophic Factor (BDNF), a protein linked to improved brain function and a lower risk of brain diseases like Alzheimer’s and Parkinson’s.
• Heart Health: May improve various factors contributing to heart disease, including reducing “bad” LDL cholesterol, preventing artery blockages, and improving the function of the endothelium (the lining of blood vessels).
• Digestive Health: Can help with various gastric issues, protect the stomach lining, and aid digestion.
• Joint Pain Relief: Its anti-inflammatory effects make it beneficial for individuals suffering from arthritis or rheumatism, helping to reduce swelling and pain in joints.
• Blood Sugar Regulation: Some studies suggest it can help regulate blood sugar levels and improve insulin sensitivity, potentially reducing the risk of type 2 diabetes.
• Potential Anti-Cancer Effects: Research suggests curcumin may influence cancer growth and development, potentially inhibiting cancer cell growth and spread, and even contributing to the death of cancer cells. More human research is needed in this area.
• Skin Health: Its anti-inflammatory and antibacterial properties may help with conditions like acne.

Note: Curcumin’s bioavailability (how well the body absorbs it) is relatively low. Combining turmeric with black pepper (which contains piperine) significantly enhances curcumin absorption.

Other Spices with Medical Benefits:

1. Ginger (Zingiber officinale):
   • Anti-nausea: Highly effective against various forms of nausea, including morning sickness, motion sickness, and chemotherapy-induced nausea.
   • Anti-inflammatory: Contains gingerol, a powerful anti-inflammatory and antioxidant compound that can help reduce muscle pain, soreness, and inflammation related to conditions like osteoarthritis.
   • Digestive Aid: Helps speed up gastric emptying, alleviating indigestion and bloating.
   • Pain Relief: May help reduce menstrual pain and general muscle soreness.
   • Blood Sugar: Some research suggests it can help improve blood sugar regulation.
2. Cinnamon (Cinnamomum verum/cassia):
   • Blood Sugar Control: Perhaps its most well-known benefit is its potential to improve insulin sensitivity and lower blood sugar levels, making it beneficial for people with insulin resistance or type 2 diabetes.
   • Antioxidant and Anti-inflammatory: Rich in antioxidants and has anti-inflammatory properties.
   • Heart Health: May help lower LDL cholesterol and triglyceride levels.
   • Antimicrobial: Has properties that can fight bacteria, fungi, and viruses.
3. Garlic (Allium sativum):
   • Immune Boosting: Contains compounds like allicin that boost the immune system and help fight off common colds and flu.
   • Cardiovascular Health: Can help lower blood pressure, reduce total and LDL (“bad”) cholesterol, and may help prevent artery hardening.
   • Antibiotic Properties: Allicin has known antibiotic and antimicrobial effects against various pathogens.
   • Anti-cancer potential: Associated with a reduced risk of certain cancers, particularly gastrointestinal cancers.
4. Cayenne Pepper (Capsicum annuum):
   • Pain Relief: Contains capsaicin, which can reduce pain by depleting substance P, a neurotransmitter that transmits pain signals to the brain. It’s often used topically in creams for muscle and joint pain.
   • Metabolism Boost: Capsaicin can slightly increase metabolism and promote fat burning (though the effect is usually modest).
   • Appetite Suppression: May help reduce appetite and calorie intake.
   • Digestive Health: Can stimulate digestive juices and protect the stomach lining (contrary to the myth that spicy food causes ulcers).
   • Heart Health: Some research suggests benefits for blood pressure and circulatory health.
5. Clove (Syzygium aromaticum):
   • Antioxidant Powerhouse: Extremely rich in antioxidants, particularly eugenol.
   • Anti-inflammatory and Antiseptic: Used for centuries for pain relief (especially toothaches) and to fight infections.
   • Digestive Benefits: Can aid digestion and alleviate gas.

General Benefits of Spices:

Beyond individual benefits, many spices share common advantages:

• Rich in Antioxidants: Most spices are packed with antioxidants that combat oxidative stress.
• Anti-inflammatory: Many possess compounds that help reduce inflammation throughout the body.
• Antimicrobial/Antifungal: They can inhibit the growth of harmful bacteria, fungi, and other microbes.
• Nutrient Density: While consumed in small amounts, they contribute vitamins, minerals, and fiber to the diet.
• Flavor Enhancement: They allow for delicious cooking with less salt, sugar, and unhealthy fats, contributing to overall healthier eating habits.

In summary, incorporating a variety of spices into your diet can offer a range of potential health benefits, supporting overall well-being and potentially reducing the risk of various chronic conditions.

In Pakistan’s unique automotive market, investors or individuals who book new vehicles often look to earn profits primarily through a phenomenon known as “own money” or “premium.” This practice is a direct result of the chronic demand-supply gap and other market inefficiencies.

Here’s how those who invest in new vehicles through booking in Pakistan typically try to earn profits:

1. Selling with “Own Money” (Premium):
   • The Core Strategy: This is the most common and significant way profits are made. Due to long delivery times for new cars (sometimes months or even over a year, depending on the model and demand) and limited production by local assemblers, there’s a strong demand for immediate delivery.
   • How it Works:
     1. An individual or investor books a new car from an authorized dealer by paying the initial booking amount.
     2. They receive an estimated delivery date, which is often far in the future.
     3. Before the car is delivered, or immediately upon receiving it, they sell the booking or the newly delivered car to an eager buyer who is unwilling to wait for the official delivery period.
     4. This buyer pays the original car price plus an additional amount, known as “own money” or “premium,” for immediate delivery.
     5. The “investor” pockets this “own money” as profit.
   • Factors Contributing to “Own Money”:
     • Long Delivery Times: This is the primary driver. People need cars quickly for personal use, business, or rental purposes.
     • Limited Production Capacity: Local manufacturers often operate below their full capacity, leading to a shortage of vehicles.
     • High Demand: A growing middle class, rising income levels (at times), and changing lifestyles fuel demand.
     • Frequent Price Increases: Automakers in Pakistan frequently increase car prices due to currency devaluation (Pakistani Rupee depreciating against the US Dollar, as many components are imported), rising input costs, and new taxes. An investor booking a car at an older, lower price can sell it at a higher “market price” (inclusive of “own money”) when prices inevitably rise by the time of delivery.
     • Speculation: The expectation of “own money” itself fuels more speculative bookings, further exacerbating the demand-supply imbalance.
     • Government Policies/Taxes: Changes in government duties, taxes (like GST hikes), or import policies can instantly make existing bookings more valuable.
2. Rental Business / Ride-Hailing Services:
   • Some investors purchase multiple vehicles, not for immediate resale with “own money,” but to establish or expand a car rental business or to operate them through ride-hailing platforms like Uber or Careem (though these platforms might have specific vehicle requirements and profitability varies greatly based on driver performance, fuel costs, and maintenance).
   • This is a longer-term investment where profit is earned through monthly rental income, but it involves operational costs and management.
3. Capitalizing on Price Fluctuations (Less Common for New Bookings):
   • While “own money” is about immediate demand for new cars, some might try to profit from general car market trends. If they anticipate a significant price hike or a supply crunch, they might book a car with the intention of selling it later at a higher official price (if allowed by booking terms) or with an even higher “own money” premium.

Impact and Criticisms:

This “own money” phenomenon is widely criticized in Pakistan for several reasons:

• Exploitation of Consumers: It forces genuine buyers to pay inflated prices.
• Market Distortion: It creates an artificial demand and contributes to price instability.
• Unfair Practices: It raises questions about ethical business practices within the automotive industry and dealership networks.
• Tax Evasion: The “own money” component is often transacted unofficially, leading to undeclared income and tax evasion.
• Hindrance to Local Industry: While local assemblers often benefit from the high demand, the practice of “own money” also highlights their failure to meet market demand efficiently, leading to consumer dissatisfaction and calls for increased imports or production.

The government and regulatory bodies have attempted to curb the “own money” practice through various measures, such as requiring buyers to be filers (taxpayers) for car purchases, increasing booking periods, and making it harder to transfer bookings, but the underlying supply-demand gap and economic instability often lead to its persistence.

Israel’s policy of “preventing an enemy country from acquiring nuclear weapons” is deeply rooted in its existential security concerns and historical experiences. It’s often referred to as the “Begin Doctrine,” after Prime Minister Menachem Begin, but its origins predate his premiership and stem from the very founding of the state.

Here’s a breakdown of how this policy came about:

1. Post-Holocaust “Never Again” Mentality and Existential Threat:

• Founding Principle: The nascent state of Israel, established in 1948, emerged just a few years after the Holocaust, an event that profoundly shaped the psyche of its leaders. The “never again” mentality became a central tenet of Israeli security doctrine.
• Vulnerability: Surrounded by Arab states that initially refused to recognize its existence and engaged in multiple wars with it, Israel faced immense conventional military superiority from its neighbors. This created a deep-seated fear of annihilation.
• Ultimate Security Assurance: Early leaders like David Ben-Gurion, Israel’s first Prime Minister, were “nearly obsessed” with obtaining nuclear weapons as the ultimate security guarantee against another existential threat. He believed Israel could not rely solely on allies for its survival.

2. Development of Israel’s Nuclear Program (1950s-1960s):

• Strategic Ambiguity: From the outset, Israel pursued a policy of “nuclear opacity” or “strategic ambiguity” – neither confirming nor denying the existence of its nuclear arsenal. This policy served to deter potential aggressors without provoking an overt arms race or international condemnation.
• French Assistance: Despite U.S. concerns about proliferation, Israel secretly began building the Dimona nuclear facility in the late 1950s, largely with French assistance. The first deliverable nuclear weapon is thought to have been completed by late 1966 or early 1967.
• Deterrence: The primary motivation for acquiring nuclear capability was deterrence – to discourage large-scale conventional attacks or non-conventional attacks by Arab states.

3. The “Begin Doctrine” and the Osirak Strike (1981):

• The Catalyst: The clearest articulation and operationalization of this policy came with Prime Minister Menachem Begin. In the late 1970s and early 1980s, Iraq, under Saddam Hussein, was developing a nuclear reactor at Osirak (also known as Tammuz-1) with French assistance. Israel believed this reactor was intended for the production of nuclear weapons and posed an existential threat.
• “Never Again” in Action: Despite international opposition and U.S. concerns, Begin authorized a preemptive airstrike, known as Operation Opera, on June 7, 1981, which successfully destroyed the Osirak reactor.
• Formal Declaration: Two days after the attack, Begin held a press conference and famously stated: “On no account shall we permit an enemy to develop weapons of mass destruction against the people of Israel. We shall defend the citizens of Israel in good time and with all the means at our disposal.” He explicitly linked it to the Holocaust, saying, “Another Holocaust would have happened in the history of the Jewish people. Never again, never again!”
• Precedent: Begin declared that this attack would set a “precedent for every future government in Israel.” This enshrined the principle of preventive military action against perceived nuclear threats.

4. Continuation of the Doctrine:

• Syria (2007): The Begin Doctrine was invoked again in 2007 under Prime Minister Ehud Olmert when Israel launched Operation Orchard, destroying a suspected Syrian nuclear reactor at Al-Kibar, which was believed to be under construction with North Korean assistance. This strike, like Osirak, was carried out with little international outcry once the details became known.
• Iran: The doctrine heavily influences Israel’s approach to Iran’s nuclear program. Israeli leaders, particularly Benjamin Netanyahu, have consistently stated that Israel will not allow Iran to acquire nuclear weapons, employing a combination of diplomatic pressure, sanctions, covert operations (like cyberattacks and assassinations of scientists), and the implicit threat of military action. Recent reporting, as of June 2025, suggests Israel may have acted again on this doctrine against Iranian nuclear facilities.

In essence, Israel’s policy of preventing enemy states from acquiring nuclear weapons is a deeply ingrained part of its national security doctrine, born out of a unique historical context of existential vulnerability and cemented by a willingness to undertake preemptive military action when it perceives a direct and intolerable threat to its survival.